Question 1

Which is better, Noor Takaful or Union Insurance?

Accepted Answer

It depends on your needs. Noor Takaful has 5,097 providers across 8 cities and offers 2 plans starting from AED 2,600/yr. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Noor Takaful if you need more comprehensive coverage options. Choose Union Insurance if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is Noor Takaful cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/yr, while Noor Takaful's cheapest plan begins at AED 2,600/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, Noor Takaful or Union Insurance?

Accepted Answer

Union Insurance has a larger Dubai network with 3,229 providers, compared to Noor Takaful's 2,831 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Noor Takaful or Union Insurance cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Noor Takaful's dental sub-limit goes up to AED 3,000/yr, while Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Noor Takaful to Union Insurance?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Noor Takaful to Union Insurance (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Noor Takaful and Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Noor Takaful and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Noor Takaful and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Noor Takaful starts from AED 2,600/yr, Union Insurance from AED 2,300/yr, (2) Network size — 5,097 vs 6,349 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	Noor Takaful	Union Insurance
Type	private	private
Founded	2009	1998
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD	HAAD, DHA
Number of Plans	2	2
Premium Range	AED 2,600 – 11,000	AED 2,300 – 10,500
Total Network Size	5,097	6,349
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	No
Co-pay Range	20%	20%
Claims Phone	800-6667	02-677-5050

City	Noor Takaful	vs	Union Insurance
Dubai	2,831	vs	3,229
Abu Dhabi	991	vs	1,646
Sharjah	757	vs	838
Al Ain	206	vs	237
Ajman	136	vs	162
Ras Al Khaimah	95	vs	133
Fujairah	66	vs	77
Umm Al Quwain	15	vs	27

Noor Takaful vs Union Insurance

Noor Takaful

Union Insurance

Noor Takaful vs Union Insurance — At a Glance

Network Comparison by City

Noor Takaful Plans

Noor Basic Takaful Health

Noor Enhanced Takaful Health

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

Noor Takaful vs Union Insurance — FAQ

Related Comparisons